New Braunfels Herald Zeitung, November 18, 1984, Page 5

New Braunfels Herald Zeitung

November 18, 1984

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Issue date: Sunday, November 18, 1984

Pages available: 70

Previous edition: Friday, November 16, 1984

Next edition: Tuesday, November 20, 1984

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Publication name: New Braunfels Herald Zeitung

Location: New Braunfels, Texas

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All text in the New Braunfels Herald Zeitung November 18, 1984, Page 5.

New Braunfels Herald-Zeitung (Newspaper) - November 18, 1984, New Braunfels, Texas Bend index of 20 municipal bbfxte 20 year various ratings Dow JOIHM 441 inounrwra Money supply Ml Commodity Index of wtMkfy closing priced of 27 key commodities jpfftrw m StMk 2431 714212851219262 9 Nov Chicago Tribune Charts by Terry Volpp 3month Treasury bills weekly average interest 28 5 12 19 26 2 916 540 4 111825 1 81522 19262 9 162330 7 14 21 90 21 28 5 12 19 26 2 9 16 23 Commodity Research Bureau Producer PriceIndex si ness HaraldZeituns November Market suspect of tax reform NEW YORK AP Wall Streeters are decidedly wary as they look ahead to the possibility of tax reform measures next Analysts in the financial like everybody else who has been paying are mindful of President Reagans repeated assertion that Americans income taxes arent going to be tax and a likely increase in the share of income taken by seems observed Ian a Torontobased investment in a recent With the 1986 midterm elections already in view for Republican any tax changes are likely to be made quickly to bury them as political issues he One possibility that has been mentioned is putting a greater tax burden on That might not sit well with stockmarket in since it would stand to reduce the amount of corporate in come available for dividends or reinvestment in the Amid uncertainty over the prospective shape of the ad ministrations tax the stock market took a tumble in sluggish trading this past The Dow Jones average of 30 industrials dropped to The New York Stock Exchange composite index fell to and the American Stock Exchange market value index was down at Big Board volume averaged million shares a down from million the week Even if the Reagan administration is able to realize its stated goal of simplifying the tax system in a revenueneutral investment experts see some potential perils for the for the widely discussed idea of a modified flat tax Under such an the present multitiered system would be replaced with just a few tax Nominal tax rates probably would be lowered for most while or at least existing Financial focus Growth stocks offer reward By STAN Edward First we must satisfy ourselves as to what a growth stock is and generally what we should expect from Once we are in a better position to determine if this is our cup of Growth stocks are not for There are certain groups who should strongly consider growth oriented investments as part of their investment Lets discuss a sampling of these single people In this category we normally find people starting a As a rule they will have few qbligations ex cept to Once they have budgeted for expenses to meet their needs and find themselves with suplus growth investments are most oftened Prudently selected growth stocks cannot be classified as gambling but as we pointed out they do carry a considered risk element that hopefully will yield a profitable capital The greater the the greater the the greater the reward possibility should I like to refer to this as my riskreward single people will normally consider themselves in a better position to take this risk with the hope of being amply If they it is probably money they would have spent on non productive entertainment in the first Thus growth investments are well suited for this group of married couples In this day of runaway inflation most young married couples would confront me with the argument that they have no extra it is my experience that most young couples who come to me for assistance in financial planning do have surplus funds if they budget Many are pitifully underinsured and paying premiums they cant By selecting the proper insurance program they can usually come up with extra investable dollars without having to add more to their investment These extra dollars are ideal to place in growth securities on a regular My wife and I were discussing how nice it would have been if twenty years ago I would have budgeted just per month per year into an in vestment which just averaged 6 percent total return per that investment would be worth The fact that most long term growth in vestments have done much better than If that same per month had compounded at a rate of 12 percent per it would have grown today in value approaching You can see the benefits of systematic investing for married there is an element of risk in growth investments but likewise there is present possibility of In the above a portion of a month could have been Had this been the case I suspect it would not have affected the life style of the family in the That was the risk The reward speaks for Briefly Miller opens weaving studio Lucille Miller has opened a in custom weaving and on the second level in Densons specialty store at Land mark AfUter hid her work shown and to stores and museums throughout tte Her range from wall tapestries tor Janurary and TransWorld Airlines promotes Chapa TransWorld Airlines has promoted Kevin son of and Frank Chapa in New to tccoynl representative Chapa has been employed by TWA for months in San Antonio as f customs service Texas Commerce products quarter earnings Commerce produced third quarter earnings per share of 4 percent increase over the amount earned the same quarter in the tm consecutive quarterly year increase in earnings per a record matched by 9jjjy five other New York Stock Exchange listed deductions would be Analysts point out that any tax reform measure that substantially lowered tax rates might well have some significant side The Value Line Investment Survey notes that it would reduce the value of those deductions that survived by putting investors in lower We have in of the deductions associated with socalled tax the investment ad visory service Municipal bonds would also be with yields rising and prices falling relative to those on taxable so as to maintain the same relationship in aftertax Bond marketwatchers say prices of municipals have already begun to reflect this in case it becomes a Value Line stocks and all other investments subject to favorable longterm capital gains treatment would also logically suffer some loss of The benefits of the 60 percent ex How the 1984 tax bill affects employee benefits IndtvMual rttkwnsnt accounts D Eases rules tor rolling over pension or profit sharing money into IRAs D Sets April 15 as the deadline for contributing to regular IRAs Cafatartastyte bsnsfit plans D Confirms useitorlose it provision for flexible spending accounts D Requires employees to choose benefits in advance D Gives companies until in some cases until next to get plans into compliance D Confirms that employees can pay their share of costs via pretax dollars parachutes D Defines excess compensation for departing executives D Requires company and recipient to pay taxes on the excess Group terni insurance QSets as limit company can provide retirees and still get tax deduction D Makes retiree liable for taxes on insurance above Voluntary bsntflciary QSets limits on amount companies can put into VEBAs to fund benefits Chicago Tribune Graphic Source Coopers Lybrand elusion from taxes that applies to such gains diminish in lower tax Its still far too early to base in vestment decisions on the possibility of lower tax Value Line But investors should keep an eye on the administrations tax proposals as they Business mirror Sweden wants to expand freeze of investments Sweden AP Over a storm of protest from Swedish Prime Minister Olof Palmes government wants to ex pand a freeze on investments in South Africa that Sweden imposed five years ago as an example to the Critics argue that the world has ignored Swedens example and thus the freeze punishes only Swedish industry and not South Africas whiteruled government for its apartheid system of racial But Palmes government presented a bill to Parliament earlier this month that would extend the law to cover leasing arrangements by which Swedish companies have skirted the ban on new investments in South The Social Democratic govern ment wants current operations of Swedish companies to hibernate in South Africa without until conditions have And the government softened part of the proposal from a hotly debated government report issued in June that wanted exemptions offered under the investment ban recon sidered by The bill maintains the right of exemption for in vestments necessary to replace worn out The June report also acknowledged that the economic impact of only a Swedish freeze is Leading the drive against tightening the the Swedish Federation of Industries not only rejected the idea but advocated abolisarguments by emphasizing Swedens moral indignation against the oppression of 22 million blacks by 5 million whites in South The June report said that the human rights situation has not improved and that there appears to be no official plan to improve Swedens unilateral investment freeze and actions in the United Nations comprise what it calls an isolate South Africa But there are frequent reports of flaws in the A serious flaw was revealed by the governments Central Bureau of Statistics just after the June report was Bureau figures showed that exports to South Africa almost doubled during the first half of making it Swedens largest export market in back the family insurance I self with good neighbor Call RICHARD VIGUA PODIATRIST FOOT SPECIALIST HOUSeCAUS BY APPOINTMENT EVENING APPOINTMENTS AVAILABLE 1000 WALNUT Suite D Hilt ti Ntw Irivdm MltiMUl DICK KOiGLE 822 Walnut 78130 512 6256081 Like a good neighbor State Farm is SUTI FAIM INSUtANCi ;

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